CFPB Consumer Complaint Profile
Account Recovery Service, Inc. (WI)
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 0
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Account Recovery Service, Inc. (WI) places #3492 by volume. On response speed it sits at the 0th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- IL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Account Recovery Service, Inc. (WI) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 5 |
| 2015 | 1 |
| 2017 | 2 |
| 2018 | 3 |
| 2020 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Account Recovery Service, Inc. (WI)
In the CFPB record, Account Recovery Service, Inc. (WI) has a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Account Recovery Service, Inc. (WI): nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Account Recovery Service, Inc. (WI) have?
Account Recovery Service, Inc. (WI) has 12 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Account Recovery Service, Inc. (WI) respond to complaints on time?
Account Recovery Service, Inc. (WI) has a 0% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Account Recovery Service, Inc. (WI)?
The most complained-about product for Account Recovery Service, Inc. (WI) is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Account Recovery Service, Inc. (WI)?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Account Recovery Service, Inc. (WI); the full issue list with counts is above.
How do I file a complaint against Account Recovery Service, Inc. (WI)?
You can file a complaint against Account Recovery Service, Inc. (WI) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Account Recovery Service, Inc. (WI)?
The CFPB has recorded complaints against Account Recovery Service, Inc. (WI) from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.